go bank negara and check ur ccris, if clear shud be no problem
Personal Loan, which banks offer the best deal?
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 Apr 8 2011, 07:27 PM
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429 posts Joined: Aug 2009  
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Jul 20 2011, 02:14 PM
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#2
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i already tried with hsbc and cimb and got rejected
my salary is 3k++ and with cimb i just apply for 4k, while hsbc 6k(the lowest they can give) both got rejected... now will try with ocbc yesterday i went to BNM for my ccris report and my report is good.. all zero amount(no outstanding) my question is, why i got rejected so badly? my ccris all good i'm now in the middle of registering my own company, so i need some cash for stater here is my commitment : HSBC AMANAH (3k) UOB (4k) RHB easy loan(3k) is there any option where i can lodge a report for this? i got blacklisted for PTPTN, is this will be the root cause? |
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Jul 20 2011, 11:31 PM
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#3
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QUOTE(Drian @ Jul 20 2011, 02:43 PM) If you get blacklisted, it means your name is in the CTOS list. All banks will check your background and if you have a history of defaulting loans, they can argue why should they loan someone money with a bad history record. There's nothing much you can argue because they can say that's your fault for defaulting a loan. i checked with ctos, my record is fine This post has been edited by taohannan: Jul 20 2011, 11:31 PM |
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Jul 21 2011, 02:14 PM
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QUOTE(adilee @ Jul 21 2011, 02:29 AM) Hi, i'm working with HSBC...the banker never inform u what is the reason they decline the application? You may try to ask the banker as they can appeal for u... he said about my company, something about listed company bla2, not so sure also Added on July 21, 2011, 2:31 am Hi, how much is your income? i think most of the bank offer up to 5 years repayment period... i working with mnc, obviously they would not Berhad, they will be sdn bhd only sigh i just want to know how to resolve this.. |
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